Set up a regular savings plan and build a diversified portfolio yourself, or bring in an adviser for more sophisticated strategies and products.
Three situations, one gap. You have never invested and have no idea where to start. Or you have excess cash earning next to nothing and want better returns. Or you already have some experience, and want an experienced expert to sharpen what you have built.
How we can helpStart with the tools and do it yourself: set up a regular savings plan so you invest a fixed amount every month, and build a diversified portfolio using listed securities, with the fees visible before you commit a dollar. That is enough for most people getting started. If you want something more — gearing, tax-effective ownership structures, wholesale or unlisted products — an adviser can take you there, and review a portfolio you have already built.
What you'll getBuilding a portfolio is a sequence, and skipping the early steps is what causes most of the regret later. This is the process we follow — the same one whether you use the tools yourself or work with an adviser.
Investing is personal before it is technical. We work through your investment capacity, the return you need, your risk tolerance, when you need access to the money, how long you can hold, the tax impact, and how involved you want to be.
This is how the investment is legally owned — in your own name, jointly, through a company or family trust, inside super, via an insurance bond or a wrap account. Ownership changes your tax, your control and your access, often more than the assets do.
Shares, property, bonds and cash each pay you differently and grow differently. Asset class selection is the main determinant of returns, so we blend defensive and growth assets to match the risk you actually want to carry.
Direct selection where you own and manage it yourself, or managed selection through a fund manager. Then passive — buy and hold — or active, with decisions made as markets move. The right answer depends on your time and your knowledge.
At regular reviews we check three things: that your goals and risk tolerance have not changed, that the asset mix still suits current conditions, and that the portfolio is performing against relevant benchmarks.
Guides, articles and tools on investments — free to read, no account needed. Work through them at your own pace, or skip straight to the action below.
A financial wellbeing platform designed to help you understand your full financial picture. Built in Australia, for everyday Australians.
Evolucian Pty Ltd trading as "Transfigr" (Corporate Authorised Representative No. 1307597) is authorised under Financial Mandate Pty Ltd ABN 75 686 236 180 (the Licensee), the holder of Australian Financial Services Licence No. 700151.
